I got to chatting with my niece today and she asked what I know now that I would tell my younger self.

The stuff we older folk dream of

in movies.

A younger person seeking guidance.

As in “Back to The Future” where an old Biff gives his younger self the sports scores almanac from 1950’s-2015 and the alternate universe Biff becomes a billionaire.

“A young person really wants to know my one secret thing about money?”

I gerl I should have worked on my old codger voice by now.

“Well, kid…”

Actually, it’s
Easy.

Dave Ramsey’s 7 baby steps.

https://www.daveramsey.com/new/baby-steps/

Had I learned and stuck with these principles, my life would have had so much less heartache.

I would have been slave to no lender.
Not felt less-than.
Not abused.
Not trapped.

The list goes on.

If you could go back in time, what would your Almanac be?